Avoid Homebuyer's Heartbreak: Why You Need Insurance Before You Make an Offer

​When you find the perfect home, the last thing you want is an unpleasant surprise during closing.
In today’s real estate market—especially here in the Quad Cities—insurance is no longer something you figure out at the last minute.

It needs to be part of your plan from the very beginning.

🏠 Why Early Insurance Checks Matter
In regions like Prescott, Prescott Valley, Chino Valley, and Dewey, fire scores and location risks can dramatically impact your ability to insure a property.
And without insurance, you can't close.

We’ve seen homebuyers fall in love with properties, go under contract, and only then discover:
🚫 The home is too close to a wildfire risk zone
🚫 The cost of coverage is sky-high
🚫 Some carriers will decline to insure the home altogether

📋 What We Do Differently
At VIP Insurance Professionals, we work with you and your real estate agent early.
Before you even make an offer, we can:

✅ Pre-screen properties for insurability
✅ Flag high-risk fire score zones
✅ Estimate coverage costs upfront
✅ Help you compare multiple carrier options

🔥 What Is a Fire Score?
It’s an insurance rating based on the property’s wildfire exposure.
High fire scores = higher premiums (or even difficulty finding coverage).

Unfortunately, these risks aren’t always obvious just by driving past the house.

📣 Final Word: Protect Your Dream Home (and Your Wallet)
Don't wait until you’re under contract to discover an issue.
Loop in your insurance broker early—because finding out a home is uninsurable too late can cost you time, money, and heartbreak.

If you’re house hunting this season, call VIP Insurance Professionals first—and close your dream home without the hidden headaches.